| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3130 CROW CANYON PLACE, SUITE 400 SAN RAMON, CA 94583 | CALIFORNIACHOICE | $37K | — | $37K | 5.00% |
| BENEFITMALL3 | 6200 CANOGA AVENUE, SUITE 300 WOODLAND HILLS, CA 91367 | CALIFORNIACHOICE | $14K | — | $14K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 3111 CAMINO DEL RIO N SUITE 1100 SAN DIEGO, CA 92108 | GUARDIAN | $17K | $1K | $19K | 12.64% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC. | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | GUARDIAN | $7K | — | $7K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $170 | $14 | $184 | 10.80% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 82 | $743K |
| Dental | GUARDIAN | 98 | $147K |
| Vision | GUARDIAN | 98 | $147K |
| Life insurance | GUARDIAN | 98 | $147K |
| Long-term disability | GUARDIAN | 98 | $147K |
| Prescription drug | CALIFORNIACHOICE | 82 | $743K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 101 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.